Financial Advisor Marlborough Wiltshire (SN8): If you're seeking financial advice for the very first time, trying to locate a reliable financial advisor advisor in Marlborough can be an intimidating experience. Whether it is investments, mortgage, pension or even insurance advice that you're searching for, there is one common rule for all professional financial advisors; they all have to adhere to Financial Conduct Authority regulations. The advantage of this is that should a financial advisor who is FCA registered give you bad advice, and things go wrong, you've got guarantees, and are able to go to the Financial Services Compensation Scheme or the Financial Ombudsman Scheme to get it put right.
Recommendations from neighbours and friends can be a decent starting place in choosing a financial advisor in Marlborough, but keep in mind that their circumstances might be different to what you're looking for. Their advice needs to be adapted to your particular situation, and not every financial advisor is suitable for everyone. To explore the options that they're offering and find a financial advisor that you can trust and feel comfortable with, it is a good idea to talk to at least three different firms, because choosing a financial advisor is an important decision.
Independent financial advisors (IFA) and restricted advisors, are the two main kinds of financial advisor in Marlborough. Offering a wide range of options, an IFA will not be limited to the services or products of just one provider. Independent financial advice must be provided in an impartial way and should cover the whole spectrum of financial companies and products. If you choose to use an independent financial advisor, you'll be able to select from the widest possible range of services, so as to find the ideal solution for your needs. A restricted advisor could be tied to products and services from a particular firm, or may even concentrate on an individual product, as can be the case with a mortgage advisor.
Before accepting you as a client, any financial advisor must discuss their charges with you, as set out by the FCA. In accordance with the type of product you're looking for, you could be charged a set fee, by the hour or perhaps even a proportion of your investment. To discuss your aims and find out if the advisor is the correct fit for your situation, you will sometimes be offered the chance of a free initial consultation. Your account might be looked after by a team rather than a single advisor, if you decide to go with one of the larger firms in Marlborough.
To describe your financial situation and aims to the advising firm, you'll be required to fill out a "Fact Find" document, which is a confidential disclosure form. To provide information regarding the financial advisor, their status to offer independent or restricted advice and the scope of their permissions in the financial arena, you'll also be given an Initial Disclosure, or Key Facts Document. This document will also lay out your legal rights and the possible options you can take if you aren't satisfied with the service provided, and would like to complain. It should be easily understood, written in plain English, and outline precisely what you're signing up for, together with the benefits and risks of going along with the advice. The cooling-off period should also be spelled out in this document. Within a specific number of days, this makes it possible for you to cancel your contract with the financial advisor.
The first time you are talking with the financial advisor you should check what qualifications and experience they have. After all you're about to entrust your financial wellbeing to their skill, so you should not be self-conscious about asking such questions. Every financial advisor in Marlborough must present an annual Statement of Professional Standing, and must at least hold a Level 4 qualification. If your advisor's name doesn't show up on the Financial Services Register, you shouldn't panic, the company the advisor works for should be found on the register and their personnel are all covered by the regulations. If they're not able to supply these accreditations, the person cannot offer advice but is able to offer financial guidance. Guidance is different to advice as it isn't regulated, and if financial blunders are made there will probably be no recourse to the client.
If you are seeking advice on investing money you will be asked the level of risk you're comfortable with. Better rewards might be possible with high risk investments, but you could also lose all or some of your cash. Your savings goals will need to be considered if good quality investment advice is to be given, i.e. how much you have to invest, how quickly you need to access your money and short or long term investments. You must always ask yourself the one important question, how much money can you truly afford to lose. This is sometimes referred to as your 'capacity for loss' and may well affect the services and products that could be offered to you.
From the outset, it is vital that you let your financial advisor know about any savings accounts, investments, mortgages or regular outgoing payments that you currently have. They will need this information, so they can get a picture of your finances and give the best advice for you. The diversification of your investments and savings by spreading the risk load across a number of different products, is an important part of reliable financial advice. With an understanding of the best areas to consider, a professional financial advisor will favour products that most closely fit in with your financial situation and goals.
A financial advisor will unveil the complex world of finance, and try to communicate in the clearest possible way. This will help you to compare products and services that match your needs, and make an informed decision. If the environment is important to you, you could perhaps ask that ethical savings and investments take top priority. This allows you to lend support to firms and businesses that match your concerns, i.e. zero carbon or renewable energy, or perhaps keeping away from firms that don't meet your requirements.
Working together with a financial advisor in Marlborough can be difficult to fit in around work and other obligations. This can be alleviated by supplementing face-to-face meetings with telephone and video conferencing, hence enabling you to get the advice you need at a convenient time. Any experienced financial advice provider in Marlborough will have rigorous measures in force to ensure your details are kept confidential and secure, even if you hardly ever have a face-to-face meeting with your personal advisor, because remote and home working is no longer unusual.
You have to remember that the financial sector can be unpredictable, and the value of your investments could just as easily drop as well as rise. If it just so happens that your investment isn't making the amount of money you hoped for, it can be a very worrying and demoralising time. A downward spiraling of your investment isn't seen as a cause for complaint, unless your advisor has supplied you with misleading or incorrect information.
The company's complaints procedure should be the starting point for any disputes, and the Key Facts Document will clarify this. If your advisor is a member of the Financial Conduct Authority, you can let the Financial Ombudsman know about the matter if it remains unsolved within the time schedule set out by the regulating authority.
After independently reviewing the cause of the complaint, the Financial Ombudsman will make a ruling on the issue. A decision is made on how to financially compensate the client, if the complaint is upheld. Once the ruling is accepted by the customer it becomes a legally binding decision which the advisor and their firm, must comply with. The Ombudsman will also take into account any upset, distress, hassle and inconvenience caused to the client during the dispute, and fix the level of compensation proportionately.
Financial advice can be provided in Marlborough and also in nearby places like: Burbage, Ogbourne St George, Broad Hinton, Aldbourne, Fyfield, Easton Royal, Pewsey, Great Bedwyn, Ramsbury, Winterbourne Bassett, Manton, Chiseldon, Cadley, Lockeridge, Froxfield, Mildenhall, Baydon, and in these postcodes SN8 1HW, SN8 2BA, SN8 1DJ, SN8 1HZ, SN8 1HS, SN8 1TN, SN8 1HT, SN8 2AA, SN8 1BX, SN8 1WF. Locally based Marlborough financial advisors will probably have the dialling code 01672 and the postcode SN8.
Marlborough Financial Advice Services
There is a wide range of services which can be provided by your local Marlborough financial advisor including financial analyst services, inheritance tax planning, will writing services, pension transfer advice, ISA's, long term care fee planning Marlborough, bridging finance, divorce planning, financial planning, trustee investment services in Marlborough, mutual funds Marlborough, tax financial planning, life assurance advice, financial advice services, family income benefit, investment planning, income protection Marlborough, investment bonds in Marlborough, cashflow analysis, pension planning, trusts, investment planning Marlborough, pension plans in Marlborough, equity release advice, pension drawdowns in Marlborough, and more.
Financial Advice Enquiries Wiltshire
Recent Wiltshire financial advice enquiries: Ajay and Aliza Piper from Westwood, Wiltshire recently asked for information on investment bonds. Reuben Goddard from Great Bedwyn, Wiltshire recently enquired about equity release. Sammy and Jasleen Gardiner from Ramsbury recently enquired about equity release. Paloma Daniel from Roundway, Wiltshire recently enquired about equity release. Isaiah Batty from Larkhill recently asked for information on life assurance. Alia Snowden and Lewis Snowden from Purton recently asked for information on life assurance. Tia Mortimer from West Lavington, Wiltshire recently enquired about investment advice. Edwin and Elodie Salt from Blunsdon St Andrew recently asked for information on financial planning.
Financial Advisors Near Marlborough
Also: Pewsey financial advisors, Baydon financial advisors, Great Bedwyn financial advisors, Ogbourne St George financial advisors, Lockeridge financial advisors, Easton Royal financial advisors, Manton financial advisors, Fyfield financial advisors, Froxfield financial advisors, Burbage financial advisors, Chiseldon financial advisors, Winterbourne Bassett financial advisors, Cadley financial advisors, Ramsbury financial advisors, Aldbourne financial advisors, Mildenhall financial advisors, Broad Hinton and more.
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Financial Advisors Around Marlborough: Households in Cross Lane, Salisbury Road, Bath Road, Priorsfield, Angel Yard, Van Diemen's Close, The Thorns, Queens Way, Figgins Lane, Lainey's Close, Gales Ground, Reeds Ground, St David's Way, Granham Close, Savernake Crescent, South View Place, Davies Close, Kingsbury Street, Port Hill, White Horse Road, Macneice Drive, Tin Pit, River Park, St John's Close, Thomson Way, have needed financial advice recently. Financial advisors have also been active in the following local Marlborough postcodes: SN8 1HW, SN8 2BA, SN8 1DJ, SN8 1HZ, SN8 1HS, SN8 1TN, SN8 1HT, SN8 2AA, SN8 1BX, SN8 1WF.
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More Wiltshire Financial Advisors: More Calne, Salisbury, Westbury, Chippenham, Melksham, Amesbury, Warminster, Corsham, Bradford-on-Avon, Trowbridge, Devizes, Wootton Bassett, Marlborough, Tidworth and Swindon.:
Independent financial advisor in SN8 area, and dialling code 01672.
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